USAA Platinum upgrade to world possible?

I've had my USAA Platinum Mastercard for about 1.5 years with a APR of 16.9% It has a zero balance. My USAA World Mastercard has $18k limit with 8.9% interest.

I use the World card and never use the Platinum due to the difference in interest rates. At last to get to the question.........Will USAA upgrade the Platinum card to a product with a better interest rate WITHOUT applying for a new card. A hard pull before UPGRADE will be fine if that is required. Anyone have success with this previously??????

Re: USAA Platinum upgrade to world possible?

I've had my USAA Platinum Mastercard for about 1.5 years with a APR of 16.9% It has a zero balance. My USAA World Mastercard has $18k limit with 8.9% interest.

I use the World card and never use the Platinum due to the difference in interest rates. At last to get to the question.........Will USAA upgrade the Platinum card to a product with a better interest rate WITHOUT applying for a new card. A hard pull before UPGRADE will be fine if that is required. Anyone have success with this previously??????

With USAA it is the actual credit limit that determines whether your MasterCard is a World MC or a Platinum MC.

If you call in and get a successful credit limit increase to $5k or more on your Platinum, they will change it to World. You can always redistribute credit limits between USAA credit cards to achieve the same goal if you want, also.

Re: USAA Platinum upgrade to world possible?

I've had my USAA Platinum Mastercard for about 1.5 years with a APR of 16.9% It has a zero balance. My USAA World Mastercard has $18k limit with 8.9% interest.

I use the World card and never use the Platinum due to the difference in interest rates. At last to get to the question.........Will USAA upgrade the Platinum card to a product with a better interest rate WITHOUT applying for a new card. A hard pull before UPGRADE will be fine if that is required. Anyone have success with this previously??????

With USAA it is the actual credit limit that determines whether your MasterCard is a World MC or a Platinum MC.

If you call in and get a successful credit limit increase to $5k or more on your Platinum, they will change it to World. You can always redistribute credit limits between USAA credit cards to achieve the same goal if you want, also.

I will call USAA in the morning and post the results. 06 Thanks for the input

Re: USAA Platinum upgrade to world possible?

I've had my USAA Platinum Mastercard for about 1.5 years with a APR of 16.9% It has a zero balance. My USAA World Mastercard has $18k limit with 8.9% interest.

I use the World card and never use the Platinum due to the difference in interest rates. At last to get to the question.........Will USAA upgrade the Platinum card to a product with a better interest rate WITHOUT applying for a new card. A hard pull before UPGRADE will be fine if that is required. Anyone have success with this previously??????

With USAA it is the actual credit limit that determines whether your MasterCard is a World MC or a Platinum MC.

If you call in and get a successful credit limit increase to $5k or more on your Platinum, they will change it to World. You can always redistribute credit limits between USAA credit cards to achieve the same goal if you want, also.

I will call USAA in the morning and post the results. 06 Thanks for the input

The only thing I might be concerned about is whether or not they will allow you to have two of the same product. A quick phone call will get you the answer, though.

Re: USAA Platinum upgrade to world possible?

Now see, when I called about this same issue, they told me reallocation wasn't sufficient, the MC has to qualify on its own for $5k.

I tried what O6 suggested, but was told several times on the phone and in writing that simply reallocating some of my line from my AmEx to the MC wouldn't qualify it for an upgrade to world. So I had to wait a while and then do a hard pull in Jan of this year to get to $8k, then I was allowed to convert it to a world MC.

Re: USAA Platinum upgrade to world possible?

Now see, when I called about this same issue, they told me reallocation wasn't sufficient, the MC has to qualify on its own for $5k.

I tried what O6 suggested, but was told several times on the phone and in writing that simply reallocating some of my line from my AmEx to the MC wouldn't qualify it for an upgrade to world. So I had to wait a while and then do a hard pull in Jan of this year to get to $8k, then I was allowed to convert it to a world MC.

Maybe it depends on the representative you talk with. We were successful in doing the CL re-allocation just a couple of months ago.

Re: USAA Platinum upgrade to world possible?

Now see, when I called about this same issue, they told me reallocation wasn't sufficient, the MC has to qualify on its own for $5k.

I tried what O6 suggested, but was told several times on the phone and in writing that simply reallocating some of my line from my AmEx to the MC wouldn't qualify it for an upgrade to world. So I had to wait a while and then do a hard pull in Jan of this year to get to $8k, then I was allowed to convert it to a world MC.

Maybe it depends on the representative you talk with. We were successful in doing the CL re-allocation just a couple of months ago.

Just finished a marathon with the CSR at USAA. ( Very nice and polite ) My Platinum card does not "qualify for upgrade to world at this time."

My given options were

1, New application for World card ( I really dont need a 3rd USAA card .)

Re: USAA Platinum upgrade to world possible?

Now see, when I called about this same issue, they told me reallocation wasn't sufficient, the MC has to qualify on its own for $5k.

I tried what O6 suggested, but was told several times on the phone and in writing that simply reallocating some of my line from my AmEx to the MC wouldn't qualify it for an upgrade to world. So I had to wait a while and then do a hard pull in Jan of this year to get to $8k, then I was allowed to convert it to a world MC.

Maybe it depends on the representative you talk with. We were successful in doing the CL re-allocation just a couple of months ago.

Just finished a marathon with the CSR at USAA. ( Very nice and polite ) My Platinum card does not "qualify for upgrade to world at this time."

My given options were

1, New application for World card ( I really dont need a 3rd USAA card .)

2, Request CLI on my Platinum card ( Resulting in a HARD PULL )

3, Do NOTHING ! Both cards I have with USAA are still relatively new

Also just want to add you must be eligible for their insurance products to be eligible for the Wold version of the card. Was just informed by the CSR!

Re: USAA Platinum upgrade to world possible?

Now see, when I called about this same issue, they told me reallocation wasn't sufficient, the MC has to qualify on its own for $5k.

I tried what O6 suggested, but was told several times on the phone and in writing that simply reallocating some of my line from my AmEx to the MC wouldn't qualify it for an upgrade to world. So I had to wait a while and then do a hard pull in Jan of this year to get to $8k, then I was allowed to convert it to a world MC.

Maybe it depends on the representative you talk with. We were successful in doing the CL re-allocation just a couple of months ago.

Just finished a marathon with the CSR at USAA. ( Very nice and polite ) My Platinum card does not "qualify for upgrade to world at this time."

My given options were

1, New application for World card ( I really dont need a 3rd USAA card .)

2, Request CLI on my Platinum card ( Resulting in a HARD PULL )

3, Do NOTHING ! Both cards I have with USAA are still relatively new

Also just want to add you must be eligible for their insurance products to be eligible for the Wold version of the card. Was just informed by the CSR!

I have the World card and nothing from USAA on insurance products..........

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.